One Thousand Ways to Make a Living; or, An Encyclopædia of Plans to Make Money

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Title: One Thousand Ways to Make a Living; or, An Encyclopædia of Plans to Make Money Author: Harold Morse Dunphy Release date: May 25, 2020 [eBook #62231] Most recently updated: October 18, 2024 Language: English Other information and formats: www.gutenberg.org/ebooks/62231 Credits: Produced by MFR, Harry Lamé and the Online Distributed Proofreading Team at https://www.pgdp.net (This book was produced from images made available by the HathiTrust Digital Library.) *** START OF THE PROJECT GUTENBERG EBOOK ONE THOUSAND WAYS TO MAKE A LIVING; OR, AN ENCYCLOPÆDIA OF PLANS TO MAKE MONEY *** Transcriber’s Notes Text printed in italics has been transcribed _between underscores_, bold face text between =equal signs=. Small capitals have been converted to ALL CAPITALS. More transcriber’s notes may be found at the end of this text. [Illustration: HAROLD M. DUNPHY, LL. B. _Graduate of the University of Michigan, 1906_ _Attorney at Law_] ONE THOUSAND WAYS TO MAKE A LIVING OR AN ENCYCLOPÆDIA OF PLANS TO MAKE MONEY _Collated and Edited by_ HAROLD M. DUNPHY, LL. B. _FIRST EDITION_ SPOKANE, WASHINGTON 1919 ALL RIGHTS RESERVED, INCLUDING THAT OF TRANSLATION INTO FOREIGN LANGUAGES COPYRIGHT, 1919 BY H. M. DUNPHY SPOKANE, WASHINGTON IMPORTANT PUBLISHER’S ANNOUNCEMENT The contents of this book have taken years to gather. They have been collected from every corner of this vast continent, and in some cases from Europe. The literary style, no doubt, from the reviewer’s point of view, will leave much to be desired. This, from the very start, was pointed out to the editor, Mr. H. M. Dunphy, who, however, determined that his object was to give a plain, unvarnished story of how to make a livelihood, and not to produce a book of a high literary character. His exact words every time were: “My position as editor of this work is simply to take the matter as handed in to me from time to time, see that nothing objectionable or prohibited by the States laws is allowed to be published. So far as the literary style is concerned, it would not be difficult for me, a lawyer of long practice, to fall into line with the orthodox. But I prefer to give the different information just as sent in to me, with certain exceptions I have mentioned. “I did not arrive at this decision in haste, but after due deliberation. It was a choice of altering--and placing almost every experience I received--into literary phraseology, or allowing same to pass for publication in the language of the people. I choose the latter.” We think Mr. Dunphy is right. This book’s aim is the people rather than the classes; although we have no doubt it will appeal to many people of high education with slender means. However, the language in every case is understandable by the people, so, while no excuse is offered, we think the reviewers and the higher educated public should be given an explanation. Not only from a business point of view, but for the betterment of the conditions of the people, we desire this work to have a wide circulation. There is no need for people to call aloud about lack of employment if they will not consult this book. One way to make a livelihood has been omitted in the edition of this work, and we feel sure he will excuse us for drawing attention to the fact. We want agents in every part of the country--and we don’t want those agents to handle the work without proper compensation. Write us for terms. PREFACE The title of this book speaks for itself and should require no foreword from me. However, the able compiler and editor thinks otherwise, so I gladly fall in with his wishes. I grasp the opportunity, because I think when doing so, I can benefit a great number of my fellow-countrymen and country-women, who to-day have the constant shadow of unemployment confronting them. This is not a “get-rich-quick” book. It is a work to teach people how to get a livelihood. Of course, a great many people who commence in business through reading this book, and adopting one or more of the plans, will naturally push ahead and accumulate wealth. That, however, is not the object of the book. If it were, I certainly should not sponsor its sale. I maintain, as all decent citizens must believe, that every soul on this planet has a right to a decent existence. But it grieves me to see so many people, young and old, foot-sick, walking about looking for a “job,” which employers of labor are unable to offer. If these people would only look around and try to help themselves a little, the world would be a happier place in which to live. There is work everywhere to be done, and this book tells how to go about it. It is a book that should be in every public reference library in the country, for the use of those who are unable to buy it. The various plans for making a living are set forth in such detail that they can be understood by all. They do not cater only to the person who is out of employment, but they are also valuable to the man in business, who through competition may find he is not doing as well as he should. They are a great storehouse of general business knowledge. I, myself, am what people would call a “successful business man.” Yet the book is invaluable to me from the point of view of an investor. If I had had in my possession “Protection against Fraud and Wildcat Schemes” only three years ago--and acted upon it, I should have saved myself from entering into a bad speculation. This chapter is undoubtedly worth ten times the price asked for the whole book. Out-of-door folk such as farmers and market gardeners, are firm believers in the theory of luck. I suppose it is because there is no more speculative occupation than the cultivation of the soil. Well, I don’t grudge them their theory, but I will say this: If they will only consult this book and act upon its plans, they will find their “luck” has been increased considerably. But to come back to the unemployed; to the man or woman who is looking for work. It is these people I personally wish to benefit, and it is to them I would particularly address myself. Of the sincerity of their desire for work, there is no shadow of doubt; and since the only remedy for unemployment is employment, its discovery is the duty of man. Well, here in this book we have it, of that I am convinced. Only co-operation must come from the unemployed. Let them select one of the plans at once and get to business. I’m sure they will succeed if only they put their heart and soul into it. After a _little_ effort, if everything _does not prosper at once_, they must not lapse like Watts’ sluggard did: “’Tis the voice of the sluggard, I hear him complain. You’ve waked me too soon--I must slumber again.” That won’t do. In this life, whatever it may be in the next, if we wish to _live_, we must _work_. There will be plenty of time for slumber later on. And now, a final word. If there should be one person who reads this foreword and who does not believe every word I have written, I ask one favor: Let him individually select one of the plans set forth, and give it a fair trial. I give this advice, knowing full well that all I have written will be found to be true. This book has my very best wishes for a large sale. THE WAY TO WEALTH The following article, “The Way to Wealth” was published by one of the greatest of Americans, Benjamin Franklin, in his famous “Poor Richard’s Almanac,” in the year 1757. This article is especially strong, as it represents the observations of Benjamin Franklin after twenty-five years of publishing “Poor Richard’s Almanac.” There is, perhaps, no other of Franklin’s writing that won for him more reputation than the following: “The Way to Wealth” is run in the same form as it was originally written. “The Way to Wealth” should be regarded as the constitution of this book and should be read and followed with each and every plan. THE WAY TO WEALTH I have heard that nothing gives an author so great a pleasure as to find his work respectfully quoted by others. Just, then, how much I must have been gratified by an incident I am going to relate to you. I stopped my horse lately where a great number of people were collected at an auction of merchant goods. The hour of the sale not being come they were conversing on the badness of the times; and one of the company called to a plain, clean, old man, with white locks: “Pray, Father Abraham, what think you of the times? Will not these heavy taxes quite ruin the country? How shall we ever be able to pay them? What would you advise us to do?” Father Abraham stood up and replied: “If you would have my advice, I will give it to you in short; for a word to the wise is enough, as Poor Richard says.” They joined in desiring him to speak his mind, and gathering around him he proceeded as follows: “Friends,” said he, “the taxes are indeed very heavy, and if those laid on by the government were the only ones we had to pay, we might more easily discharge them, but we have many others and much more grievous to some of us. We are taxed twice as much by our idleness, three times as much by our pride, and four times as much by our folly, and from these taxes the commissioners cannot ease or deliver us by allowing an abatement. However, let us hearken to good advice and something may be done for us: ‘God helps those who help themselves,’ as Poor Richard says. “I. It would be thought a hard Government that would tax its people one-tenth part of their time to be employed in its service, but idleness taxes many of us much more; sloth by bringing on disease, absolutely shortens life. ‘Sloth, like rust, consumes faster than labor wear, while the used key is always bright,’ as Poor Richard says. ‘But dost thou love life? if so then do not squander time, for that is the stuff life is made of,’ as Poor Richard says. How much more than is necessary do we spend in sleep, forgetting that the ‘sleeping fox catches no poultry,’ and that ‘there will be sleeping enough in the grave,’ as Poor Richard says. “‘If time be of all things the most precious, wasting time must be,’ as Poor Richard says, ‘the greatest prodigality,’ since, as he elsewhere tells us, ‘lost time is never found again, and what we call time enough always proves little enough.’ Let us then be up and doing, and doing to the purpose; so by diligence shall we do more with less perplexity. ‘Sloth makes all things difficult, but industry all things easy; and he that rises late, must trot all day, and shall scarce overtake his business at night: while laziness travels so slowly that poverty soon overtakes him. Drive thy business, let not thy business drive thee; and early to bed and early to rise, makes a man healthy, wealthy, and wise,’ as Poor Richard says. “So what signifies wishing and hoping for better times? We may make these times better if we but bestir ourselves. ‘Industry need not wish, and he that lives upon hope will die fasting. There are no gains without pains; then help, hands, for I have no lands; or if I have they are smartly taxed. He that hath a trade hath an estate, and he that hath a calling hath an office of profit and honor,’ as Poor Richard says. But then the trade must be worked at and the calling followed, or neither the estate nor the office will enable us to pay our taxes. If we are industrious we shall never starve, for ‘at the working man’s house hunger looks in but dares not enter.’ Nor will the bailiff nor the constable enter, for industry pays debts, while despair increases them. What, though you have found no treasure, nor have any rich relations left you a legacy, ‘diligence is the mother of good luck, and God gives all things to industry. Then plow deep while sluggards sleep, and you shall have corn to sell and to keep.’ Work while it is called today, for you know not how much you may be hindered tomorrow. ‘One today is worth two tomorrows,’ as Poor Richard says; and further, ‘never leave that till tomorrow which you can do today.’ If you were a servant would you not be ashamed that the good master should catch you idle? Are you then your own master? Be ashamed to catch yourself idle when there is so much to be done for yourself, your family, your country and your king. Handle your tools without mittens; remember that ‘the cat in gloves catches no mice,’ as Poor Richard says. It is true that there is much to be done, and perhaps you are too weak-handed, but stick to it steadily and you will see great effects; for ‘constant dropping wears away stones; and by diligence and patience the mouse ate in two the cable; and little strokes fell great oaks.’ “Methinks I hear some of you say: ‘Must a man afford himself no leisure?’ I will tell thee, my friends, what Poor Richard says: ‘Employ thy time well, if thou meanest to gain leisure, and since thou art not sure of a minute, throw not away an hour.’ Leisure is time for doing something useful; thus, leisure the diligent man will obtain, but the lazy man never; for ‘a life of leisure and a life of laziness are two things. Many, without labor would live by their wits only, but they break for want of stock’; whereas industry gives comfort and plenty and respect. ‘Fly pleasures, and they will follow you. The diligent spinner has a large shift; and now I have a sheep and a cow, everybody bids me good morrow.’ “II. But with our industry we must likewise be steady, settled and careful, and oversee our own affairs with our own eyes, and not trust too much to others; for, as Poor Richard says: “And again, ‘three removes are as bad as a fire.’ And again, ‘keep thy shop and thy shop will keep thee.’ And again, ‘if you would have your business done, go; if not, send.’ And again, ‘He that by the plow would thrive, himself must either hold or drive.’ And again, ‘the eye of the master will do more work than both his hands.’ And again, ‘want of care does us more damage than want of knowledge.’ And again, ‘not to oversee workmen is to leave them your purse open. Trusting too much to others is the ruin of many; for in the affairs of this world men are saved, not by faith, but by want of it.’ But a man’s own care is profitable; for, ‘if you would have a faithful servant, and one that you like, serve yourself. A little neglect may breed great mischief; for want of a nail the shoe was lost; for want of a shoe the horse was lost; and for want of a horse the rider was lost, being overtaken and slain by the enemy; all for want of a little care about a horseshoe nail.’ “III. So much for industry, my friends, and attention to one’s own business; but to these we must add frugality, if we would make our industry more certainly successful. A man may, if he knows not how to save as he gets, keep his nose all his life to the grindstone and die not worth a groat at last. ‘A fat kitchen makes a lean will; and many estates are spent in the getting. Some women for tea forsook spinning and knitting. And men for punch, forsook hewing and splitting. If you would be wealthy, think of saving as well as getting. The Indies have not made Spain rich, because her outgoes are greater than her incomes.’ Away then with your expensive follies, and you will not have so much cause to complain of hard times, heavy taxes and chargeable families; for, ‘Women and wine, game and deceit, make the wealth small and the wants great.’ And further, ‘What maintains one vice would bring up two children.’ You may think, perhaps, that a little tea, or punch now and then, diet a little more costly, clothes a little finer, and a little entertainment now and then, can be of no great matter; but, remember, ‘Many a little makes a mickle.’ Beware of little expenses. ‘A small leak will sink a great ship,’ as Poor Richard says; and again, ‘who dainties love, shall beggars prove;’ and moreover, ‘Fools make feasts, and wise men eat them.’ Here you are all got together at this sale of finery and nicks-nacks. You call them goods; but if you do not take care, they will prove evils to some of you. You expect they will be sold cheap, and perhaps it may be less than they cost; but if you have no occasions for them, they must be dear to you. Remember what Poor Richard says: ‘Buy what thou hast no need of, and ere long thou shalt sell thy necessaries.’ And again, ‘At a great pennyworth, pause awhile.’ He means, that perhaps the cheapness is apparent only, and not real; or the bargain, by straightening thee in thy business, may do thee more harm than good. For in another place he says, ‘Many have been ruined by buying good pennyworths.’ Again, ‘it is foolish to lay out money in a purchase of repentence,’ and yet this folly is practiced every day at auctions for want of minding the Almanac. Many a one for the sake of finery on the back, has gone with a hungry belly and half starved his family. ‘Silks and satins and scarlets and velvets put out the kitchen fire,’ as Poor Richard says. “These are not the necessaries of life; they can scarcely be called the conveniences; and yet, only because they look pretty, how many want to have them! By these and other extravagances, the genteel are reduced to poverty and forced to borrow from those whom they formerly despised, but who, through industry and frugality, have maintained their standing; in which case it appears plainly that: ‘A plowman on his legs is higher than a gentleman on his knees,’ as Poor Richard says. Perhaps they had a small estate left them, which they knew not the getting of; they think, ‘it is day, and will never be night;’ that a little to be spent out of so much is not worth minding; but ‘always taking out of the meal-tub, and never putting in, soon comes to the bottom,’ as Poor Richard says; and then, ‘when the well is dry, they know the worth of water.’ But this they would have known before, had they taken his advice. ‘If you would know the value of money, go and try to borrow some;’ for ‘he that goes a borrowing, goes a sorrowing,’ as Poor Richard says. And indeed so does he that lends to such people, when he goes to get it again. Poor Dick further advises and says: ‘Fond pride of dress is sure a very curse; ere fancy you consult, first consult your purse.’ And again, ‘Pride is as loud a beggar as want, and a great deal more saucy.’ When you have bought one fine thing, you must buy ten more, that your appearance may be all of a piece; but poor Dick says, ‘It is easier to suppress the first desire than to satisfy all that follow it. And it is as truly folly for the poor to ape the rich, as for the frog to swell in order to equal the ox.’ “It is, however, a folly soon punished; for, as Poor Richard says, ‘Pride that dines on vanity, sups on contempt. Pride breakfasted with plenty, dined with poverty, and supped with infamy.’ And after all, of what use is this pride of appearance, for which so much is risked, so much suffered? It cannot promote health, nor ease pain; it makes no increase of merit in the person; it creates envy; it hastens misfortune. “But what madness must it be to run in debt for these superfluities? We are offered by the terms of this sale six months’ credit; and that perhaps, has induced some of us to attend it, because we cannot spare the ready money, and hope now to be fine without it. But ah! think what you do when you run in debt; you give to another power over your liberty. If you cannot pay at the time, you will be ashamed to see your creditor; you will be in fear when you speak to him; you will make poor, pitiful, sneaking excuses, and by degrees come to lose your veracity and sink into base, downright lying; for ‘the second vice is lying, the first is running into debt,’ as Poor Richard says; and again, to the same purpose, ‘Lying rides upon Debts back;’ whereas a free-born Englishman ought not to be ashamed nor afraid to see or speak to any man living. But poverty often deprives a man of all spirit and virtue. ‘It is hard for an empty bag to stand upright.’ “What would you think of that prince or government who should issue an edict forbidding you to dress like a gentleman or gentlewoman, on pain of imprisonment and servitude? Would you not say that you were free and had the right to dress as you please; that such an edict would be a breach of your privileges, and such a government tyrannical? And yet you are about to put yourselves under such tyranny when you run in debt for such dress! Your creditor has authority, at his pleasure to deprive you of your liberty by confining you in gaol till you shall be able to pay him. When you have got your bargain, you may perhaps think little of payment; but, as Poor Richard says, ‘Creditors have better memories than debtors; creditors are a superstitious sect--great observers of set days and times.’ The days come around before you are aware, and the demand is made before you are prepared to satisfy it; or, if you bear your debt in mind, the term which at first seems so long will, as it lessens, seem extremely short. Time will seem to have added wings to his heels as well as to his shoulders. ‘Those have a short Lent who owe money to be paid at Easter.’ At present, perhaps, you may think yourselves in thriving circumstances, and that you can spare a little extravagance without injury, but, ‘for age and want save while you may--no morning sun lasts a whole day.’ Gain may be temporary and uncertain, but ever, while you live, expense is constant and certain; and ‘it is easier to build two chimneys than to keep one in fuel,’ as Poor Richard says; so, ‘rather go to bed supperless than rise in debt.’ ‘Get what you can, and what you get, hold; ’Tis the stone that will turn all your lead into gold.’ And when you have got the philosopher’s stone, surely you will no longer complain of bad times, or the difficulty of paying taxes. “IV. This doctrine, my friends, is reason and wisdom, but, after all, do not depend too much on your own industry and frugality and prudence, though excellent things, for they all may be blasted, without the blessing of heaven; and therefore ask that blessing humbly, and be not uncharitable to those that at present seem to want it, but comfort and help them. Remember Job suffered and afterwards was prosperous. “And now, to conclude, ‘Experience keeps a dear school, but fools will learn in no other,’ as Poor Richard says, and ‘scarce in that, for it is true we may give advice, but we cannot give conduct.’ However, remember this, ‘They that will not be counseled cannot be helped,’ and further, that ‘if you will not hear reason, she will surely rap your knuckles,’ as Poor Richard says.” Thus the Old Gentleman ended his harangue. The people heard it and approved the doctrine, and immediately practiced the opposite, just as if it had been a common sermon; for the auction opened and they began to buy extravagantly. I found the good man had thoroughly studied my Almanac, and digested all I had dropped on these topics during the course of twenty-five years. The frequent mention he made of me, must have tired anyone else, but my vanity was wonderfully delighted with it, though I was conscious that not a tenth part of the wisdom was my own which he ascribed to me, but rather the gleaning I had made of the sense of all ages and nations. However, I resolved to be the better for the echo of it, and though I had at first determined to buy stuff for a new coat, I went away, resolved to wear my old one a little longer. Reader, if thou wilt do the same, thy profit will be as great as mine. I am, as ever, thine, to serve thee. RICHARD SAUNDERS. SELF-PROTECTION AGAINST FRAUDULENT SCHEMES AND WILDCAT INVESTMENTS Thousands of men and women, who have lost their savings of years through the skillfully manipulated schemes of men who make a profession of robbing the unwary, might still be in comfortable circumstances had they been forewarned and forearmed against these people by the timely advice of some one who knew the crooks and turns by which they approach their victims with honeyed words and roseate pictures of fortunes quickly and easily made. Women who have come into the possession of considerable sums of money, through inheritance, or as beneficiaries of husbands, fathers or brothers, are the special objects of exploitation. It is estimated that fully 90 per cent of the women thus provided for, lose the entire amounts within three to six months. Many of these women succumb to flatteries accompanying offers of marriage, and willingly turn over every dollar that some loyal and devoted husband and father has made untold sacrifices to provide. Once in possession of the money, however, these villains usually disappear, to seek new fields and swindle other women by the same contemptible methods. The greater part of the fraudulent schemes through which women with little savings are swindled, consists of plausible plans for making “profitable” investments. The writer of this chapter is reliably informed that in a certain city of over 100,000 inhabitants, more than sixty-five men engage in this business. Women, however, are not the only victims, for men are also easily persuaded to part with their savings. The man or woman known to have acquired any considerable sum of money, or even a few hundred dollars, is skillfully approached and asked to make an investment that is “sure to double your money in six months,” or guaranteed to pay 1,000 per cent dividends within a year, and every year thereafter, and the alluring picture thus held out is usually a veritable gem of literary and artistic skill. Perhaps it is a choice piece of real estate, which the owner will sell at a “great sacrifice,” as his health requires a removal to a “milder climate.” Or it may be a block of mining or industrial stock, represented by a gorgeously engraved certificate, embellished with an elaborate seal and is advertised as a “real snap,” as only a few dollars of additional capital will start the enterprise to grinding out dividends. Whatever it is, there is a dazzling certainty about its future that is perfectly bewildering to the poor investor, who is made to see him- or herself soon very wealthy. And how easy it is to make an inexperienced woman--or man, either--believe that her or his few hundred dollars can so easily be turned into a channel that will bring a swift and sure reward. The bait may be a first mortgage on a piece of farm land, “worth many times the small indebtedness it represents,” bears a high interest rate, and which, if foreclosed by the holder, would make him well to do. Oftentimes these seductive offerings come through a friend, who offers--for a commission--to guide the faltering steps of the investor to certain wealth, as a personal favor. The valuable farm land is found to be upon a mountain top or in the middle of a swamp, where no one could live or nothing can grow. It is worthless. But the mortgage, which showed some one had loaned a large sum of money on it? Oh, that was a mortgage made for the purpose. No real money was ever loaned on it. And the stock in that wonderful mine, almost ready to pay dividends? Why, that consists principally of a set of location stakes, with perhaps a 10-foot hole in the ground, representing the first year’s assessment work on a very poor “prospect.” Anybody can see that it never will make a mine. But the industrial enterprise--that surely must have a bright and promising future. Well, maybe, but as yet it has no equipment, no raw material, no franchise, no location--nothing but a certificate of incorporation, authorizing a few comparatively unknown men, with no capital whatsoever, to do a certain kind of manufacturing or other business--if they can raise a little money with which to make a start. At last, when the money is gone and it is too late, the poor investor begins to realize what has happened. His money is lost. It is bad enough for the one who has been thus defrauded, but it is many times worse when little children are made to suffer. It may be that the widow should pay the penalty of her foolishness but the innocent, helpless little children are the ones who suffer most. How to guard against the depredations of these people, and protect one’s self, is the object of this chapter. By following the plan here outlined, any man or woman can be assured of comparative safety. It has been successfully employed, and has saved thousands of dollars. First of all, you must learn to do your own thinking, instead of becoming confused by the advice that is offered you, for no two of your friends or acquaintances will advise you alike. Use your own judgment, and carefully weigh every suggestion. Suppose you are approached with a proposition to invest your money. No matter how attractive the prospect may look, adopt this as a slogan: “_Investigate before investing_,” and do this thoroughly, because the “snap” will not be gone if you delay a little while. Make sure that your investigation is as complete as possible. This will not only protect you from fraudulent and wild-cat schemes but will enable you to find a really meritorious proposition. It may cost you from $25 to $50 as expense for investigation purposes, but this is far better than losing $5,000 to $10,000. Make it a rule to test all propositions on which you are solicited--to never act until you have full information before you. When approached by the person desiring you to invest tell him before going into a discussion as to the investment you wish to be informed about his company. Copy all the following questions and submit them to him, requesting that each question be carefully answered, and that after the answers are made they shall be signed by the corporation, individual, company or partnership. If his proposition is all right, and he believes in it, he will gladly co-operate; but if he is doubtful whether or not it will stand the test, he will endeavor to persuade you not to put the company to the trouble of answering so many unnecessary questions. Adhere to your resolution to have the information first. These questions alone will eliminate nine-tenths of the fraudulent investments and all weak propositions. LIST OF QUESTIONS TO SUBMIT